FME Credit Union

Po Box 721
Roseville, MI 480660721
www.fme.org

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FME Credit Union is headquartered in roseville and is the 117^st largest credit union in the state of Michigan. It is also the 1,743^rd largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 23 employees and 9,399 members. FME Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD

FME Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	55 PLUS Checking Account (S-SD)

FME Credit Union Savings Account Rates

Apy	Min	Max	Product
1.51%	-	-	High-Yield Payroll Savings IRA Traditional (over the age of 50)
1.51%	-	-	High-Yield Payroll Savings IRA Traditional (under the age of 50)
1.51%	-	-	High-Yield Payroll Savings IRA Roth (under the age of 50)
1.51%	-	-	High-Yield Payroll Savings IRA Roth (over the age of 50)
1.51%	-	-	High-Yield Payroll Savings IRA Coverdell Education
1.26%	-	-	Direct Deposit High Yield Savings Account
1.00%	-	-	IRA Shares Account
0.45%	-	-	Christmas Club Account
0.25%	-	-	Super Share Account
0.20%	-	-	Regular Share Account
0.20%	-	-	Rainy Day Account
0.20%	-	-	Shares Pledged

FME Credit Union Money Market Rates

Apy	Min	Max	Product
0.34%	$2k	-	Money Maker PLUS Account
0.29%	$2k	-	Money Maker Account

FME Credit Union CD Rates

Apy	Min	Max	Product
0.50%	$25k	-	36 Month Standard CD
0.45%	$25k	-	30 Month Standard CD
0.40%	$25k	-	24 Month Standard CD
0.35%	$25k	-	12 Month Standard CD
0.35%	$25k	-	18 Month Standard CD
0.30%	$25k	-	6 Month Standard CD

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

FME
NCUA #	1622
BankRate Report	View
Year Chartered	1936
Employees	23
Primary Regulator
Assets and Liabilities
Assets	$74.76 million
Loans	$36.82 million
Deposits	$65.37 million
Equity Capital	$8.58 million
Loan Loss Allowance	$485,000
Unbacked Noncurrent Loans	$318,000
Real Estate Owned	$214,000
Historic Data - December 2010
Assets	$72.51 million
Equity Capital	$8.52 million
Loan Loss Allowance	$439,000
Unbacked Noncurrent Loans	$455,000
Real Estate Owned	$410,000
Profit Margin - Quarterly
Net Interest Margin	5.23%
Return on Assets	0.07%
Return on Equity	0.65%
Interest Income	$2.62 million
Non-Interest Income	$656,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 FME Credit Union had $532,000 in non-current loans and owned real-estate with $9.06 million in equity and loan loss allowances on hand to cover it. This gives FME Credit Union a Texas Ratio of 5.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for FME Credit Union decreased slightly from 9.65% as of December 31, 2010 to 5.87% as of December 31, 2011, resulting in a positive change of 39.20%.This indicates that the balance sheet and financial strength for FME Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, FME Credit Union has increased its total deposits by $2.13 million, resulting in 3.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth FME Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. FME Credit Union has $74.76 million in assets with $9.06 million in equity, resulting in a capitalization level of 12.12%, which is excellent.

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